About Sable
Our mission
Bank the world.
Our story
This company was started by asking a simple question: What if premium banking was built equally for American residents, immigrants, students, and citizens—for everyone?
That vision came from personal experience. Getting started in this country is hard enough, but like many marginalized Americans and new immigrants, our co-CEO Naveen discovered how much harder it is without a U.S. financial history: she couldn’t get her salary, get a cell phone plan, make a deposit on her apartment, or even subscribe to Netflix without it. For over a century, the U.S. has put up barriers based on race, nationality, gender, sexuality, and more to life-changing tools like credit and debit. It’s not a new problem, but it was time for a new solution, so we built Sable: effortless, borderless banking for a more connected world.
Since our founding, we’ve teamed up with partners like Y Combinator and Coastal Community Bank, Member FDIC, to grow a community of 100,000+ users on a journey of building or rebuilding their financial future. Together, we make credit and debit quick to get, credit score fast to build, and banking easy to understand. We’re on a mission to bank the world.
Why Sable?
Why Sable?
Why Sable?
Why Sable?
Why Sable?
Why Sable?
No hidden fees.
Say good-bye to surprise fees and get the transparency you deserve.
Equal.
We don’t think citizenship should be the barrier to banking.
Effortless.
We make credit building easier to understand than almost any other platform.
Borderless.
Moving from one country to another – and getting your banking in order - should be a truly frictionless experience.
Meet the team
Naveen
If luck is when preparedness meets opportunity, Naveen’s been pretty lucky.
Naveen has been on the path to becoming our co-founder and co-CEO for her whole adult life. With an undergrad degree in economics, Naveen was always interested in the intersection of finance and technology. She followed that interest all the way to Columbia Business School, but (shockingly) getting into Columbia wasn’t the hardest part.
When she moved to the US from Canada, Naveen quickly discovered how difficult it was to get a U.S. bank account and credit card. It was a chicken and egg problem: she couldn’t get a credit card without a credit history, but she couldn’t build a credit history without a credit card. When she met Towers in class, they quickly realized how big the problem really was—for immigrants and underserved Americans alike. They put their heads together to build a solution, and that solution became Sable.
Naveen’s notable previous work experience includes Target, Capital One, and Amazon. She led a cross-functional team in disrupting the Canadian banking industry with the first transactional platform in public cloud computing. And during her time at Capital One Canada, Naveen led Product and Process development for its online banking and secured credit platform.
In the next year, she’s looking forward to positively impacting the lives of thousands (and soon, millions!) of underbanked people in the U.S. She’s excited to give our customers what they need and make hard-to-get financial products accessible. When Naveen finally gives herself a break, she likes playing board games and watching stand ups. Naveen is a graduate of the University of Toronto, B.S. Economics, and Columbia Business School.
Naveen has been on the path to becoming our co-founder and co-CEO for her whole adult life. With an undergrad degree in economics, Naveen was always interested in the intersection of finance and technology. She followed that interest all the way to Columbia Business School, but (shockingly) getting into Columbia wasn’t the hardest part.
When she moved to the US from Canada, Naveen quickly discovered how difficult it was to get a U.S. bank account and credit card. It was a chicken and egg problem: she couldn’t get a credit card without a credit history, but she couldn’t build a credit history without a credit card. When she met Towers in class, they quickly realized how big the problem really was—for immigrants and underserved Americans alike. They put their heads together to build a solution, and that solution became Sable.
Naveen’s notable previous work experience includes Target, Capital One, and Amazon. She led a cross-functional team in disrupting the Canadian banking industry with the first transactional platform in public cloud computing. And during her time at Capital One Canada, Naveen led Product and Process development for its online banking and secured credit platform.
In the next year, she’s looking forward to positively impacting the lives of thousands (and soon, millions!) of underbanked people in the U.S. She’s excited to give our customers what they need and make hard-to-get financial products accessible. When Naveen finally gives herself a break, she likes playing board games and watching stand ups. Naveen is a graduate of the University of Toronto, B.S. Economics, and Columbia Business School.
Naveen
Towers
The global credit market has been a black box for over a century. Towers was ready to break it open.
After meeting Naveen at Columbia and hearing her story of being systematically excluded from U.S. banking, he lent his own experience in finance and building consumer brands to their shared vision for Sable. In one interview, Towers said, “When we first started the company, we had people coming from China, India and Australia who had top-rated jobs back home and were earning great salaries, but they couldn't get access to quality credit products and it made no sense.” For the past two years, he and the team have been working to make banking make sense.
His notable previous work experience includes Accenture, American Express, BlueVine, and Hawk Equity. In the next year, Towers is looking forward to growing Sable into the first-ever premium global financial platform based on inclusivity, accessibility and simplicity. Towers is a graduate of the University of Texas at Austin and Columbia Business School.
After meeting Naveen at Columbia and hearing her story of being systematically excluded from U.S. banking, he lent his own experience in finance and building consumer brands to their shared vision for Sable. In one interview, Towers said, “When we first started the company, we had people coming from China, India and Australia who had top-rated jobs back home and were earning great salaries, but they couldn't get access to quality credit products and it made no sense.” For the past two years, he and the team have been working to make banking make sense.
His notable previous work experience includes Accenture, American Express, BlueVine, and Hawk Equity. In the next year, Towers is looking forward to growing Sable into the first-ever premium global financial platform based on inclusivity, accessibility and simplicity. Towers is a graduate of the University of Texas at Austin and Columbia Business School.
Towers
Adam
As Chief Technology Officer at Sable, Adam oversees the development of our best-in-class tech product, designed to make banking in the U.S. accessible to anyone. He joined the team because he saw the vision for building a bank from the ground up that’s rewriting the rules of traditional finance.
Adam’s notable previous experience includes software engineering and data science roles at startups like Revenue Science and Riaktr, and McKinsey & Company, where he helped multinational banks re-invent themselves and go digital. And because he can’t get enough of tech, Adam’s also a Minecraft and Factorio player, science fiction junkie, and dad to two miniature Schnauzers named Lars and Larry. He is a graduate of Economics and Computer Science from the University of Cape Town.
Adam’s notable previous experience includes software engineering and data science roles at startups like Revenue Science and Riaktr, and McKinsey & Company, where he helped multinational banks re-invent themselves and go digital. And because he can’t get enough of tech, Adam’s also a Minecraft and Factorio player, science fiction junkie, and dad to two miniature Schnauzers named Lars and Larry. He is a graduate of Economics and Computer Science from the University of Cape Town.
Adam
Annica
According to one article on power players in digital marketing, Annica has “humor and chutzpah in equal proportions” that allow her to cut through the crowded neobanking market and reach people with a simple, human message: equal access to banking for everyone.
Annica joined Sable as VP of Growth Marketing because she’s experienced the difficulty of entering the U.S. banking system as an international firsthand. By bringing her robust fintech marketing experience to Sable, she’s excited to be part of revolutionizing U.S. banking for the better.
Annica’s notable previous work experience has been in growing customer acquisition and retention for some of the hottest consumer fintechs like Stash, PolicyGenius, and Thimble. In her two years at Stash, Annica drove over 20X growth, taking the investing platform from roughly 100K customers to upwards of 2 million. In the next year, she’s looking forward to seeing Sable help more and more people improve their quality of life by building credit! And when she’s not bringing our mission to life with 360° marketing campaigns, she’s running marathons, listening to growth audiobooks, and eating cheese. Annica is a graduate of the National Taiwan University and holds a Masters of Science in Direct and Interactive Marketing from New York University.
Annica joined Sable as VP of Growth Marketing because she’s experienced the difficulty of entering the U.S. banking system as an international firsthand. By bringing her robust fintech marketing experience to Sable, she’s excited to be part of revolutionizing U.S. banking for the better.
Annica’s notable previous work experience has been in growing customer acquisition and retention for some of the hottest consumer fintechs like Stash, PolicyGenius, and Thimble. In her two years at Stash, Annica drove over 20X growth, taking the investing platform from roughly 100K customers to upwards of 2 million. In the next year, she’s looking forward to seeing Sable help more and more people improve their quality of life by building credit! And when she’s not bringing our mission to life with 360° marketing campaigns, she’s running marathons, listening to growth audiobooks, and eating cheese. Annica is a graduate of the National Taiwan University and holds a Masters of Science in Direct and Interactive Marketing from New York University.
Annica
Michal
No great product is built without great design. That’s why we have Michal.
Michal joined the team as Design Lead because he loved Sable’s story and saw a product with amazing features that should be matched with a beautiful, user-centered interface. He has been instrumental in leading the 2021 redesign of Sable and the development of the brand identity.
A product design veteran, Michal’s notable previous experience includes agencies like Ogilvy, Platform, Solvers, and Wild, where he built brands and experiences for clients such as Mastercard, PC Financial, Airbnb, Red Bull, and Google. In the next year, he’s looking forward to Sable hitting 500,000 customers. When he steps away from Figma, Michal’s usually trying out new cocktail recipes as an amateur mixologist, traveling, and taking photos. Michal holds both a Bachelors and Masters of Science in Marketing Communication and Advertising from Constantine the Philosopher University of Nitra.
Michal joined the team as Design Lead because he loved Sable’s story and saw a product with amazing features that should be matched with a beautiful, user-centered interface. He has been instrumental in leading the 2021 redesign of Sable and the development of the brand identity.
A product design veteran, Michal’s notable previous experience includes agencies like Ogilvy, Platform, Solvers, and Wild, where he built brands and experiences for clients such as Mastercard, PC Financial, Airbnb, Red Bull, and Google. In the next year, he’s looking forward to Sable hitting 500,000 customers. When he steps away from Figma, Michal’s usually trying out new cocktail recipes as an amateur mixologist, traveling, and taking photos. Michal holds both a Bachelors and Masters of Science in Marketing Communication and Advertising from Constantine the Philosopher University of Nitra.
Michal
Join over 400,000 accounts
Download Sable: effortless, borderless banking for a more connected world.
